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What Are the Jobs Responsibilities of a Disbursement Analyst?

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A disbursement analyst is an accounting professional that is responsible for working with the distribution of funds from a financial institution. A disbursement analyst may work for a bank, financial institution or any other company that deals with the transfer of money and in particular, offers loans to customers. The average annual salary of a disbursement analyst in the United States was $57,000 according to data compiled and published by Indeed, a job search website, in October, 2011. The job is part of what can be a high-stress work environment, according to a recent job advertisement from Chase, and requires that an employee hold a finance, accounting or similar degree from a four-year college.


Disbursement analysts have an area of specialization -- such as real estate, commercial building, or taxes -- and will interact with others within a company and vendors in the line of work. The analyst oversees the company's accounting functions and makes sure all strategies adhere to company policy and state and federal laws. He is also responsible for the review and administration of loan agreements between the company and clients, including loan processing, staying on top of interest rate changes, billing and loan payoffs and insurance management.

Communication and Computer Skills

According to a review of disbursement analyst job listings, good verbal and personal communication skills are a must. The analyst will communicate with colleagues and clients daily as a representative of the company. An ability to write clearly is also important. Computer skills are a must. A disbursement analyst will use computer software, including spreadsheets and financial databases, to keep up with documentation. He may also perform a variety of clerical tasks, according to O-Net, a career and job search website. Use of computers is also required to process and send loan information and prepare legal documents.

Law and Contracts

A disbursement analyst must also be familiar with laws and contracts as they relate to his area of expertise. Chase, for example, asks that job applicants have thorough knowledge of title insurance and real estate laws, regulations and policies. Analysts must also understand state and local laws that apply where their companies do business. Disbursement analysts must also understand privacy laws as they pertain to customers and the disclosure of financial information.

Organization and Deadlines

Dealing with large amounts of paperwork is part of the job for a disbursement analyst and he must have strong organizational skills to keep everything in order. These organization skills become even more important when considering the pace of this line of work, which can include short turn around time for assignments and rigid deadlines.

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